Jay Gray

You spent your life creating a stable financial foundation for you and your family, however setbacks and misfortune do happen. If you don’t protect your investments with adequate insurance, you could find yourself facing financial ruin and your loved ones might pay the price. You have a responsibility to yourself and your family to insure your life, health, and your property.

It is now required that you have Health Insurance and you will receive a tax penalty if you do not have coverage in 2014.

Different life stages require different kinds of insurance needs, so it is vital to check your policies to make sure you have the most suitable coverage to fit your needs. The rule of thumb is to review your Health plan policy annually and your life insurance coverage every two years.

What Insurance Agency in Encinitas Can You Trust?

An Insurance Broker is an unbiased liaison between the insurance company and the consumer. They give independent advice based on knowledge of Medicare, health insurance, and life insurance. The main difference between an insurance broker and an agent is the agent works for the insurance company; however a broker works for you and holds no loyalty to one particular company.

Finding a Great Medicare Broker in Encinitas

Unless you have reached 65 lot of people don’t understand about Medicare, however you know a portion of your wage goes to it. Medicare’s divided into different parts. Part A covers you and your spouse’s hospital care; if you have paid payroll taxes into it for at minimum 10 years. If you haven’t paid enough in you can buy Part A coverage. Part B covers your Doctor Visits and outpatient care. Part B coverage is not free and you pay a monthly premium for this. Part D covers your prescriptions and you pay a premium for this service. If you do not have Part D Prescription benefits you will be penalized down the road when you do try and apply for it.

Choose a Medicare Broker that offers numerous companies and products so you have the option to choose the company that fits your needs and budget.

Health Insurance Agent In Encinitas

When you are looking for health insurance you need to realize three things. The main difference between an HMO and a PPO, is that with an HMO plan, you need to decide on a primary doctor who will refer you if you need to see a specialist. A PPO doesn’t need to get a referral.

Just Us Insurance Has the Most Knowledgeable Life Insurance Agents in Encinitas

Did you know most people never buy enough life insurance and that a third of all spouses don’t have life insurance at all? When obtaining life insurance you should ask yourself some important questions. How much does your income contribute to your family’s financial stability? How will your family pay the final expenses? Most life insurance policies are one of two types; either term or permanent. The main difference between the two is term insurance is less expensive and can buy more coverage for a set amount of time where as permanent insurance will cost you more, but it is more flexible, will last usually as long as you keep making payments, and often times can build cash value.

Get an Insurance Quote through Encinitas’s Best – Just Us Insurance Agency

Once you have decided how much insurance you need and what kind of coverage you need, you want to get quotes. The most beneficial place to receive quality information is from an insurance broker. They make insurance companies vie for their customers business. When the companies compete then the consumer gets a higher quality policy at a lower payment than if they had gone to the insurance company directly. Whether you are purchasing Health or Life Insurance you want the most suitable policy for the lowest price and have a piece of mind that everything you have sweated for is covered.